Had a roof ridge tile blow off by the wind rang Lloyds for help this is what they have to say 1. Can't fix your roof because reason being the wind speed at the time was ONLY 40 mph. It should be 55 mph to qualify for repair. Are u kidding me? Have they been out measuring wind gust that week? 40 mph might not be strong to blow off an entire roof but surely 1 small ridge tile isn't as heavy as a car? 2. Secondly, can't fix your roof because I haven't cleaned my gutters and done maintenance on the roof. Seriously the house is only 14 yrs old class a recent if not newly build the roof looks like new why mess with something not broken. The gutters are free of any debri. 3. Thirdly, won't cover for water damage as not part of accidental home contents damage? Who are these people? It's wasn't done INTENSIONALLY so it could only be accidental which part do they do not understand. I made a fool of myself why I choose to go with this insurance company I paid my hard earned cash for nothing.